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Archive for February, 2012

Gold bullion is a HORRIBLE investment! It’s real return is practically zero over the past 100 years! It’s the investment “snuggie” of late night cable television!I’m sure you’ve heard these statements before by popular investment gurus, who either don’t understand or ignore the true value of investing in precious metals.
Laying aside the reality that gold has increased at double-digit rates on average this decade versus each of the world’s currencies and tripled in monetary value over the past six years, let’s consider the metal not as an investment instrument but as an insurance policy against loss of buying power.Entertain this thought for just a minute.Gold bullion should be thought of in the same way as a homeowner’s policy – as a form of financial insurance not as an investment. After all, you do buy a homeowner’s policy to protect your home against destruction, not as an investment. Gold bullion should be thought of in the same way – as a form of financial insurance that protects against destruction of fiat or paper currency.President Richard Nixon closed the proverbial gold window on August 15th 1971, terminating dollar convertibility into gold. Unfettered by the gold standard, the dollar could now just ‘float’ (be printed in unlimited quanties).Today, after 38 years of being endorsed by utterly nothing except the full trust and credit of our United States government, our beloved dollar is valued at a fraction of what it used to be. If you equate the purchasing exponent of that one dollar bill in 1971 against today, you’d be able to purchase just EIGHTEEN CENTS, after adjusting for inflation.Why The Dollar Will Fall FurtherIn reaction to the financial crisis of the preceding twelve months, the government accelerated its printing presses to warp drive. The U.S. monetary base literally blew up as a consequence, up from $800 billion in August of 2008 to $1.7 trillion. To cast that into perspective, that signifies that there are today more than $2 dollars for every one dollar that was in existence one year ago. The money supply has never increased at this rate in all of history.Thanks to our government’s monumental spending spree in their attempt to stabilize the financial system and kick-start the economy, our federal budget deficit has now soared to a new record level of $1.42 trillion dollars!If that wasn’t deplorable in itself, our national debt is at present over $11 trillion dollars. And unfunded liabilities like programs such as Medicare and Social Security stand at an astonishing $58 trillion.These liabilities must be paid for so the government must cut spending, increase taxes, or increase the money supply in order to inflate their way out of this hole. As bad as it may seem now, that deficit is predicted to grow to $9.1 trillion over the upcoming decade.The dollar simply cannot maintain it’s value when a country participates in the unrestrained printing of money. Inflation will climb higher the more the dollar is debased. It is for this reason that you must own gold. As an insurance policy to ensure the value of your savings is maintained.Since 1971, the purchasing power of gold has endured and increased. History books are ladened with instances of paper money whose value has been annihilated. But not gold. Gold has endured through wars, inflation, hyperinflation, recession and depression.Gold bullion is the ultimate store of value and protection of wealth. The value of gold has never been ZERO. Never. It could very well be the most important insurance policy you’ll ever purchase.Protect your hard earned money from inflation and the devaluation of the dollar with pure gold bullion. Buy gold bullion now at the best price available:

http://BullionBargains.us

Going For The Cheapest Car Insurance Policy Here Is 5 Factors To Think About Before You Opt

There are quite a few points to think about when purchasing auto insurance and when intending to find cheap car insurance you’ve got to do your homework. Within the insurance business, competition is brutal and prices fluctuate enormously. Benefit from this by checking around and look out for price breaks, which many insurance companies offer at many times of the year, to draw more customers.
1. Ask Your Friends
You can launch your search by questioning friends and relatives for information and guidance about quality insurance agents they did business with prior to now. Your social network should provide you with some great thoughts and that may allow you to improve your creativity concerning your alternatives. In like manner, questioning friends may permit you to evade certain options, thus saving you time and money.
2. Probe the Competition
Combine to what your friends provided by collecting more information online, information regarding the pros and cons of your potential insurance provider. However the ideal approach to get your quotation information is to check specific car insurance companies and work with an independent agent. In contrast to captive agents who deal with one insurer, independent agents legally represent many insurance companies, and, accordingly can provide more premium options. This can be done online, over the phone or, simply, in person. Be sure to let them know you are shopping around and it might help them to give you the best possible price.
3. Credits and Discounts
Numerous times a company will instantly offer certain credits to its prospective customers. Don’t anticipate the cheapest price is the initial rate quoted. Ask for credits! Some will offer a discounts in price for many surprising life issues, like:
a. Occasional driver discount
b. Credits for good students
c. Homeownership discounts
d. Multi Account Discount- Credit for having more than type of insurance
e. Discounts for low mileage
f. Alarm credit
g. Discount for prior insurance
h. Multi car insurance credit
You need to ask for specific discounts because it is not in the agents or company’s financial benefit to freely offer everything available.
4. Your Driving Record
While exploring for cheap auto insurance, risk is the first element that companies look at when it comes to quoting a car insurance policy. If they have reasons to believe that you are at higher risk of creating road accidents or moving violations, then the more likely you will fling claims. This costs them money so your policy will be surcharged. Some of the risks company underwriters look at are history of your driving, birth date and profession. If you have a lot of tickets on your MVR or are under the age of 25, you will likely pay a much higher premium. Bear in mind, that if you go for several years without any incidents on your record, many will quickly reduce your insurance rates. Furthermore if you get married or have life insurance or other insurances with the same company, then more discounts may apply.
5. Don’t Buy More Than You Need
Several people are under the impression that they need full coverage on any vehicle they own. The truth is, if you don’t have a loan that you pay monthly on for the car, or if it’s older than six years or is valued less than a few thousand dollars, don’t waste your money, liability insurance is all what the law asks for. Full coverage may very well end up costing you more than the worth of the vehicle. Otherwise, liability with a high deductible on the full coverage may be appropriate for you needs and won’t ruin your wallet.
It doesn’t have to be difficult to find cheap vehicle insurance. Take some time doing the research so that you are not caught off guard. Unnecessary additions that seem like must-haves are not always needed no matter what the agent may advise you. This includes bond cards, duplicate towing (if you have road side assistance, etc.)

Going For The Cheapest Auto Insurance Policy Five Factors To Consider Before You Pick

There are several issues to think of when purchasing car insurance and when attempting to find cheap auto insurance you need to do your homework. In the insurance business, competition is brutal and premiums vary enormously. Make full use of this by assessing around and look out for price reduction, which many insurance carriers offer at varying times of the year, to attract more customers.
1. Ask Your Friends
You may launch your search by requesting from colleagues and relatives for information and guidance about quality insurance brokers they dealt with in earlier times. Your social network should provide you with some good ideas and that may allow you to expand your horizon concerning your alternatives. Additionally, questioning friends may permit you to avoid certain alternatives, therefore saving you time and money.
2. Search the Competition
Add to what your people advised by gathering more information via the internet, information related to the advantages and disadvantages of your potential insurance carrier. Nonetheless the best strategy to get your pricing information is to check specific car insurance companies and work with an independent agent. As opposed captive agents who deal with one insurer, independent agents legally represent many insurance companies, and, thus can provide more premium options. This can be managed online, by the phone or, simply, in person. Make sure to let them know you are shopping around and it might help them to give you the cheapest price possible.
3. Credits and Discounts
A number of times a company will instantly offer certain credits to its potential customers. Don’t anticipate the lowest rate is the number one rate offered. Ask for credits! Some will offer a reduction in rate for lots of interesting life issues, like:

a. Discounts for insuring multiple cars
b. Credit for having prior insurance
c. Homeownership discounts
d. Good student credit
e. Credit for low mileage driving
f. Multiple Account Discount- Discount for having more than type of insurance with the same insurer
g. Credit for an alarm
h. Occasional driver credit
It is up to you to ask for specific credits since it is not in the agents or company’s financial benefit to freely donate everything available.
4. Your Driving Record
When shopping for cheap auto insurance, risk is the leading consideration that insurance companies look at when it comes to quoting a car insurance policy. If they believe you are at higher risk of making road accidents or moving violations, then the more likely you will fling claims. Claims cost insurance companies money so your policy will be surcharged. Some of the risks insurance companies look at are driving history, birth date and profession. If you have a lot of tickets on your driving record or are under the age of 25, you will likely pay a much higher premium. Keep in mind, that if you go for several years without any incidents on your record, many companies will quickly lower your insurance costs. Furthermore if you get married or have life insurance or other insurances with the same insurance company, then more discounts may apply.
5. Get What You Need, Not What They Want To Sell
Few people are under the impression that they need full coverage on any vehicle they own. The truth is, if you don’t have a loan that you pay monthly on for the car, or if it’s older than six years or is valued less than few thousand dollars, don’t waste your money, liability insurance is all you need. Full coverage may very well end up costing you more than the value of the auto. Otherwise, liability with a high deductible on the full coverage may be suitable for you needs and won’t break the budget.
Shopping doesn’t have to be difficult to locate cheap auto insurance. Just spend some time doing the search so that you are not caught off guard. Unexpected additions that seem like must-haves are not always necessary regardless what the agent may tell you. This includes bond cards, duplicate towing (if you already got road side assistance, etc.)

If you are looking for health insurance, it is important to know that most policies do not come with maternity coverage. If you are planning to have a family or are in the age range in which you may become pregnant then it is important that you obtain a health insurance policy that has supplemental maternity insurance added. Many people believe that maternity coverage is automatically included, but this is not the case and you will need to be sure to add the supplemental maternity insurance to your policy.

If you are currently covered by an individual health insurance policy that does not have maternity coverage and you become pregnant, more than likely you will not be able to add supplemental maternity insurance to the policy. You will have to wait until the baby is born and then add the child to an insurance policy. This is because most individual insurance plans will require a woman to delay becoming pregnant for a certain period of time before they will cover any pregnancy related medical care.

Normal pregnancies cost around $2500, for doctors visits and delivery charges. This is not including the hospital stay. On average, the total cost for everything pregnancy related is roughly $10,000. If anything goes wrong during the pregnancy, or if the woman requires a cesarean section, these costs can be much more. If you are planning on having any children, it is essential that you obtain some form of maternity coverage first. This will help alleviate the stress of worrying about how you will pay for the costs should something go wrong.

Adding a supplemental maternity insurance to your insurance policy will make the cost of your premiums go up. It is important to understand that while the cost of the insurance may be higher, the benefits of having maternity coverage are numerous.

Getting Health and Maternity Insurance When You are Already Pregnant

Finding pregnancy insurance via a private health insurance company while you are already pregnant is difficult or impossible. Insurance companies will usually consider an existing pregnancy a reason reject an application. They will consider the pregnancy to be a preexisting condition.

The suggestions below might not be or might not be pertinent to your situation. There are different laws in different states. The restrictions and limitations you may find on a given policy may mean that a preexisting medical condition you expect to be covered isn’t.

It is important to understand your insurance contract before you buy it.

It is also important to keep any existing health care insurance policy you may have until you are covered by the new contract. Even if your current health insurance policy does not cover maternity expenses, you should think seriously before canceling it.

There are three main reasons that you should do this. The first is that you might have an otherwise covered illness or injury not associated with your pregnancy that triggers a large medical expense. The second is that you might have or develop a serious medical medical condition that will keep you from getting coverage in the future. The third reason is that even though the medical expenses of a normal pregnancy might be excluded from your plan, your plan may include coverage for the complications of pregnancy. Complications of pregnancy are considered a disease. A normal pregnancy is not.

In many situations, private health insurance will not be an option. Most insurance companies will automatically deny new coverage for pregnant women. However, there are some exceptions.

Group or employer-sponsored insurance may offer an opportunity for you to get coverage. These types of policies are governed by different regulations. Medical history is less often a factor in your being eligible for a group insurance contract.

Group medical insurance policies will often cover pre-existing health conditions. If, you can get coverage via a group policy before you give birth, you may be able to get the health insurance company to cover most of your health care bills.

Of course, the group coverage plan in question will need to cover maternity. Not all will. Many health insurance policies will specifically exclude maternity related expenses.

In a typical pregnancy most of the health care will be needed just before, during and immediately after the birth of the child. This means that if you can get coverage before you have your child, you can avoid most of the health expenses.

If your employer offers group health insurance, and they will have an open enrollment period before your due date, you may be able to get coverage for your expenses in the maternity ward. This can help you dramatically reduce the bills you will need to pay.

If your spouse or domestic partner has group medical insurance coverage available via his or her place of employment, you might be able to take advantage of his or her next open enrollment period. This may also be a viable option for you.

If you are not married now, but get married to someone with group medical insurance, you may be able to get insured by their policy during a special open enrollment period. Getting married usually allows a spouse be insured by the other spouse’s health insurance plan right away without waiting for the next open enrollment period.

The tactics listed above might not work for you. Group health insurance often provides the best coverage. However, if you are not able to get coverage that way there might be programs available from your local, state or from the federal government that can help you limit your financial responsibility.

To For suggestions about the choices you qualify for via other stratagems and via local, state or federal-based programs, contact the hospital where you plan to give birth to your baby. They might be able to give you suggestions based on the options available in your town.
You will find health insurance quotes and group health insurance on the author, Alston J. Balkcom’s website.

Thanks to online training courses, you can get your insurance training in your pajamas. The internet has changed the way we view education and research. No longer does every school have to be a classroom with 4 walls, stuffy air and an instructor droning on in monotone. The internet allows you to study as and when you will. You can vary the time you set aside for training from day to day and from one week to the next. You can work around important appointments and family functions. In short, you control the training so you are more likely to succeed.

Self-driven study has been an option for years through correspondence schools, but simply being sent workbooks to slog through was not entirely satisfactory. Online courses are a different story though similar to the way an instructor leads you through the material, the screens lead you through sections and provide prompts to keep your studies flowing it is the perfect compromise between self-driven correspondence learning and teacher led classroom learning. In addition, your log-on will automatically bring you back to the place where you left off so there will be no fumbling to find your place at the beginning of each insurance training session.

Insurance is a highly regulated industry and almost every state requires some level of pre-licensing insurance training certification before allowing you to challenge the exam. Look for an online training course that is approved by your State and provides the certification required. Training is an investment of time and money, and you do not want to waste either of those resources. Look for a provider that clearly shows approval status on a State by State basis and details where a State mandates that classroom teaching is required. Do not automatically assume that your State will accept online pre-licensing courses.

If your State allows online pre-licensing insurance training then you will be able to study for your insurance exam in your pajamas. Study as and when you will 3 am in the morning, in the middle of the afternoon during the childrens naps the time doesnt matter. What is important is that you give yourself the time to fully grasp the concepts and standards of practice for your State. No matter where you live the insurance exam is a tough test, but if you are properly prepared you will pass it with ease. An online insurance course can help you be prepared.

You should never drive a vehicle down the road if you do not have automobile insurance on it, it doesn’t matter which state you are in. Having coverage on your vehicle could save you from a financial disaster. Besides, in nearly every state, driving down a road without coverage is against the law. Many states have a special data base that keeps track of every registered vehicle in the state. This is to make sure that every vehicle that is registered is paying their insurance. The moment you cancel that policy or the policy is dropped, the state will be notified. If new insurance is not added to the car right away, many states have the right to cancel the registration on the vehicle. Finding insurance you can afford really is not as hard as you say it is. Below, we are going to tell you how to get your affordable car insurance online.

There is definitely not a shortage of websites out there that you can use in order to compare policies and the prices between car insurance companies. If you really want to find a good deal, then you should take advantage of obtaining free quotes through the Internet. By getting free quotes online, you will be one step closer to getting affordable coverage.

The next step would be to sit down and sort through the quotes you obtain. Your job is to find the best and cheapest company. Apart from getting those quotes, there are some other things you should know that will get you a cheaper policy.

Having a clean driving record will save money on insurance. You should not have any speeding tickets, no parking tickets, no moving violations, no reckless driving citations or anything along that line.

You shouldn’t have any convictions for Driving Under the Influence or Driving While Intoxicated. If you have any DWI’s or DUI’s, then you can kiss the best rates good-bye for at least four years, maybe longer than that.

Of course, if you are under the age of twenty five, your rates are going to be higher than the rates for individuals over the age of twenty five. For those that are over the age of fifty five, if a company offers a refresher course, then you should take it. This could save you around ten percent each month.

For those of you that are thinking of buying a new car, go and ask your insurance agent how much it is going to cost you. Remember, insurance on sports cars are more expensive.

Fab tips on how and where to get the best affordable car insurance online now in our guide to ins quotes available online .

For residents of Georgia, motorcycle insurance is mandatory if you intend to ride lawfully on the road. In fact, scooter and motorcycle insurance is now required in every state of the union save three (Florida, Montana, and Washington). Typically, this means you won’t be able to tag a motorcycle or scooter in GA without displaying your insurance card to the DMV officers.

You’ll find quite a few assorted kinds of protection that insurance advisers endorse. Only liability coverage is mandatory, but these additional coverages could come in handy.

Bodily Injury Liability

Property Damage Liability Limit

Uninsured Motorist Coverage

Collision Coverage

Comprehensive Coverage

Insurance against drivers who are under-insured or uninsured altogether comes highly recommended for motorcyclists. Why? Because 1 in 10 GA motorists do not carry insurance, and a lot more are underinsured.

Since automobile drivers are oftentimes the culprit in accidents with bikes, you should try to look after your own self monetarily. Although supplemental coverage may elevate your Georgia motorcycle insurance quotes, it may well be well worth the added price – specifically in the event of a vehicle accident.

As in most states, liability is the required form of Georgia motorcycle insurance coverage. Liability safeguards you money wise if you are judged to be at fault for personal injuries or damages to a 3rd party.

Despite the fact that a lot of people don’t expect that a motorbike can result in much harm, you might be blown away by what kind of damage an out of control bike can do.

Georgia has policies mandating the degree of maximum liability coverage you are required to maintain. Typically, you will see these insurance requirements listed as three dollar sums, much like this: $25,000/$50,000/$25,000.

Bodily Injury Liability Limit for Individual: $25,000

Bodily Injury Liability Limit for Every Person in Accident: $50,000

Property Damage Liability Limit: $25,000

Keep in mind that standard liability coverage cannot protect the rider, the motorcycle, or passengers – only your legal vulnerability for injuries to other people. If you ride a scooter or moped, check out specific scooter insurance guidelines in Georgia.

It is essential to collect auto insurance details before investing in insurance of your car, to help you to make a correct choice about which insurance company and policy is finest for you. Whether you are looking into the most popular car insurance or travelers auto insurance or teenagers car insurance, there are always some important things you must know that will play a vital role into the amount you pay for insurance.

Free Home Insurance Quotes – How To Get The Best Insurance Company

Getting the best insurance company simply refers to finding that insurance company that would give you a very adequate home cover at the most affordable rate. This can usually be done by comparing free home insurance quotes. How do you do a good free home insurance quotes comparisons?

Getting the most affordable home insurance policy go far beyond merely finding the cheapest coverage. You could find a very cheap coverage that actually offers no cover. You could also find a dirt cheap coverage that seems to offer a good a cover only to discover when you make a claim that it is all a sham and you don’t get paid. Meaning you were actually not covered all the while. A coverage can only be said to be the most affordable home insurance coverage if it has these elements – If it is the cheapest adequate cover offered amongst proven insurance companies. The words to note there are Adequate and Proven.

Adequate

Your cover needs to actually provide cover. You therefore need to put this consideration above every other thing including cost when you are doing quotes comparison. It is not enough that the policy is so cheap. Does it provide the cover you need? If it doesn’t, you would just be wasting your money on premiums. When you have narrowed down the policies that can provide you with adequate coverage, you can then from amongst them choose the most affordable.

Proven

After doing the above, you don’t just settle for the insurer offering the cheapest rate for an adequate cover, you need to go a step further to investigate the insurance company. A company can only be said to be Proven if they have :

1, A strong financial base

2, A great customer review.

How can you determine these?

To find out an insurance companies financial base, you need to look at their financial records. I am aware of the fact that not many of us can understand financial records but for those who can, the company’s annual reports or id year reports can give you an idea of the company’s financial strength. A simpler of doing this is to simply get the results from a trusted third party rating agency. AM Best is an independent rating company. They would provide you with financial ratings of most if not all the insurance company’s in the U.S and their ratings are not complicated so even without any financial knowledge, you can understand which company is doing well financially and which is not. Their ratings starts from A++ being the highest rating meaning that a company has superior financial standing, B+ meaning a good rating and then on to B for fair and all the way down to S meaning “don’t even think about it”. You should obviously look for companies within the A++ and B+ ratings.

Having a good financial base is great but there is something left. A company can have a good financial report because they do not pay claims so you would want to find out what other users think of the insurance company you are considering. You can find out what customers say about an insurance company is many different ways. You can simply ask friends and family members who may have had business dealings with the insurer. You can even call their customer care line and feel how they respond to you as a customer – this can give you a good idea of a company’s customer relations. Just like with the third party ratings shown above for finding the financial strength of a company, you can get reviews from some third party rating agencies. Below are some sources for independent reviews.

- Your State Department of Insurance
- Finance Magazines – Forbes, Fortune etc
- National Association of Insurance Commissioners (NAIC)
- Consumer Affairs
- JD Power and others you may find on your own.

Remember that doing a good comparison of free home insurance quotes is very necessary if you would enjoy affordable home insurance coverage.